| Metric | Taylor County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.7% | +4.4% | -5.1 pts |
| Deposit growth (YoY) | -2.2% | +4.0% | -6.2 pts |
| Loan growth (YoY) | -5.2% | +5.6% | -10.8 pts |
| ROA | 1.57% | 1.24% | +0.3 pts |
| ROE | 15.3% | 11.9% | +3.5 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $243.8M | $217.3M | $164.3M | $25.4M | $1.9M | 1.57% | 4.28% | 0.94% |
| Q1 2026 | $248.7M | $221.7M | $166.7M | $25.5M | $1.2M | 1.92% | 4.25% | 0.94% |
| Q4 2025 | $243.3M | $216.7M | $173.3M | $24.7M | $5.5M | 2.26% | 4.27% | 1.19% |
| Q3 2025 | $249.6M | $223.4M | $172.4M | $24.7M | $4.6M | 2.56% | 4.25% | 1.22% |
| Q2 2025 | $245.6M | $222.2M | $173.3M | $22.3M | $2.4M | 1.98% | 4.18% | 1.25% |
| Q1 2025 | $241.1M | $217.7M | $166.8M | $22.3M | $1.4M | 2.32% | 4.12% | 1.02% |
| Q4 2024 | $230.6M | $209.0M | $163.6M | $20.2M | $4.0M | 1.75% | 4.11% | 0.57% |
| Q3 2024 | $229.1M | $205.7M | $161.9M | $22.2M | $2.9M | 1.73% | 4.09% | 0.21% |
Loan mix (Q2 2026): real estate $129.3M · commercial $24.8M · consumer $7.3M · securities $45.7M
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.57% | 1.24% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 15.3% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.28% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.0% | 62.9% | 26th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Taylor County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 1 county across 1 state (+0 vs 2025) · $217.3M branch deposits. Biggest market: Taylor, KY, ranked 2nd with 24.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Taylor, KY | 4 | $217.3M | 24.15% | 2nd |
Kentucky: 106th with 0.15% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Technology spend in line with peers (19 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).